What do you guys know about foreclosure assistance companies?

Question:

My mortgage is with Countrywide - we've had two years of major setbacks (company folding, 2 layoffs, illness, 3 slab leaks, major foundation shifting, theft of automobile (without theft protection insurance). I tried to make partial mortgage payments, but Countrywide would not accept - sent the checks back. I talked to them on a regular basis and said we were looking for work. I finally got a job and sent a payment to them with the understanding that I would start making payments once I found work and we would work out a forebearance agreement for the rest of the back payments. My first check to them crossed in the mail the notice from their lawyers that we were in foreclosure. And, true to form, they sent back my check. They gave me one week to come up with the total back payments or I was out of luck. So, now I'm looking at paying a company like Fresh Start Programs, where I give them $1200.00 and they negotiate with Countrywide. Does anyone have any info on these companies?

Answer:
I would suggest that you seek counseling from a non-profit agency. If you go somewhere else, they may try to take advantage of your situation and make money off of you when you seriously cannot afford it. Try this link:
http://www.hud.gov/foreclosure/...
It's for HUD and they have a good list of people who would be able to help you with that. HUD is a firm believer in sending folks to reputable help. The organizations need to pass a rigorous test of standards and ethics in order to be approved by HUD. At this point, I cannot stress enough that you should work with someone who is interesting in helping, as opposed to making money. You can search for HUD-approved foreclosure counselors in your area. It also gives you lots of good options and FAQs.
Here is a phone number you might want to call: 1.888.995.HOPE. It is a hotline that will also direct you to HUD-approved counseling agencies.
Here is the link if you want more info:
http://www.995hope.com/.
I am sorry to hear about your predicament. I know you worked hard to get the house and you want to keep it.
I'll be praying for you!
Godspeed.

i would suggest keeping away from fresh start as i think u may only get deeper in dept, but i do suggest if possible to talk in person if not then by phone to a quilified countrywide officer. always be diplomatic and follow up closely on your promises as everything u ever discuss with collection agencies is recorded.also these companys are in business to loan money not to foreclose as they will stand to have a large losses. always talk to the same qualified officer, not a puppet and look in to the possibility of refinancing at a fixed rate. 15 years in my opinion is much better than 30 years. this depends on different equity factors.they do not want to pay attorney fees or take your home.

I am familiar with a foreclosure bailout company. Take a few seconds and fill out the free evaluation form at the source website if you have equity in your home.

What do you guys know about foreclosure assistance companies?

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